Mortgage Disclosure Specialist - Ridgeland, MS

BankPlus•Ridgeland, MS

About The Position

The Mortgage Disclosure Specialist prepares initial disclosures and redisclosures, ensuring they are delivered accurately and on time and comply with applicable regulatory requirements. The role involves reviewing loan files and dashboards, supporting compliance and disclosure processes, communicating with originators and internal teams, and helping maintain procedures and checklists. The specialist also maintains knowledge of bank products, policies, procedures, and relevant regulatory matters, completes assigned compliance training, and performs other duties as assigned.

Requirements

High school diploma required.
One year of experience working with TRID loan documents.
General computer and typing experience, including Microsoft Office Suite (Excel, Word, and Outlook).
Detail-oriented, with excellent clerical and organizational skills.
Excellent verbal and written communication skills.
Ability to work outside regular business hours as deemed necessary.
Ability to handle multiple tasks.

Nice To Haves

Bachelor’s degree preferred.
Previous experience with Encompass software preferred.

Responsibilities

Prepare and review initial disclosures within three days of the TRID application date; review files received during the first two days and disclose within 24 hours or as early as possible after receipt.
Prepare and send redisclosures within three days of a change of circumstance, based on system or processor notifications.
Review dashboards daily to confirm disclosures meet TRID timelines.
Review Loan Origination dashboards and pipelines to ensure pre-qualifications meet disclosure timelines.
Validate e-disclosed loans that have not been acknowledged and send hard copies of disclosures in compliance with regulations.
Run Mavent Preview Compliance Reports and inform originators of alerts or failures.
Order Flood Certifications, USPS/address verifications, PMI quotes, and initial Fraudguard.
Send daily reports and follow up on receipt of Notice of Intent for all disclosed files.
Review forms, disclosures, and other documents to validate information and ensure compliance for all loans, including non-originated loans submitted to Compliance.
Monitor closing-cost templates and state-specific rules to maintain accurate disclosed fees.
Research identified changes proactively to prevent disclosure errors and associated monetary losses or cures.
Assist with maintaining written procedures and updated checklists, and recommend ways to improve quality and efficiency to the Mortgage Disclosure Manager.
Communicate with originators, the Mortgage Disclosure Manager, and Secondary Marketing Teams regarding compliance alerts, pricing, and data-entry discrepancies in Encompass.
Ensure disclosed loans adhere to BankPlus, regulatory, agency, and investor guidelines so they are sellable in the secondary market.
Participate in the bank’s High-Performance Rewards Connections program.
Maintain knowledge of Bank products, services, policies, procedures, and relevant regulatory issues, including the Bank Secrecy Act, Privacy Act, Fair Lending Act, and Regulation E.
Complete required compliance training and adhere to the bank’s standard of conduct.
Perform other duties as assigned.